Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 181,153 reviews, last reviewed 21st Sep 2026
62% decrease in 5 star reviews
in the past 90 days
49% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026
Glebs D's avatar
Glebs D

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026
Bianca Vlascu's avatar
Bianca Vlascu
Read all reviews Write a review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

PayPal PayPal Credit reviews (181153)

Always easy to use.

5
Always easy to use. PayPal pay until 3 is great too. Reviewed on: 16th April 2026
Clare F's avatar
Clare F

Used Paypal for years with no problems.

5
Used Paypal for years with no problems. Any issues with goods supplied are sorted out very quickly. Highly recommend. Reviewed on: 16th April 2026
douglas p's avatar
douglas p

The way they offer 4 months interest free purchase i...

5
The way they offer 4 months interest free purchase i just lived it Reviewed on: 16th April 2026
MD's avatar
MD

Credit card

5
I was in desperate need of a credit card and they assisted me. Reviewed on: 16th April 2026
O Tamlin's avatar
O Tamlin

Reliable, Fast & Secure Payment Experience

5
I’ve had a very positive experience using PayPal. Transactions are quick, smooth, and easy to track, which makes managing payments stress-free. I especially appreciate the strong security measures and buyer protection, which give me confidence when making online purchases. The interface is user-friendly, and sending or receiving money takes just a few clicks. Customer support has also been helpful whenever needed. Overall, PayPal is a dependable and convenient payment platform that I trust for my personal use. Reviewed on: 16th April 2026
Jessy's avatar
Jessy

Great service, easy to use.

5
Great service, easy to use. I use it all the time and pay interest free for four months. Reviewed on: 16th April 2026
Steve Kay's avatar
Steve Kay

Good service does what it says on the tin

4
Good service does what it says on the tin Reviewed on: 16th April 2026
Georgina M's avatar
Georgina M

Great experience

5
Great experience , clear website Reviewed on: 16th April 2026
Cagri D's avatar
Cagri D

PayPal refunded me when AliExpress didn’t

5
I had an issue a few months ago from Ali express and they refused to help me kept saying product held value so refused to give me a refund or help even though I had 3 months to return the item. Frustrated I contacted PayPal and they helped me by asking for evidence of everything which I had and provided and they issued me a refund for the items I bought Reviewed on: 16th April 2026
Daniel R's avatar
Daniel R

I've had a good experience so far, except for the on...

5
I've had a good experience so far, except for the one time that I got caught off in the middle of a chat by one of the representatives. I made a complaint about it, which was duly investigated and promptly sorted. I believe overall it was a transparent process. Kudos to that. Reviewed on: 16th April 2026
Kingsley A's avatar
Kingsley A

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.76 from 101307 reviews
    PayPal

  • Payments

    from PayPal 4.72 from 3854 reviews
    PayPal

  • Credit card

    from PayPal 4.66 from 126 reviews
    PayPal
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill